Budget Blueprint  

Gather your checkbook register, credit card statements, and receipts to fill in the first three columns. Then rate each category. If an expense was necessary, and your cost was reasonable, enter a "+" (plus sign). If it was a necessary expense, but you overpaid, enter a "-" (minus sign). If the expense was not out of necessity, enter a "?" (question mark).  

Your greatest opportunities for reducing spending are for those items you marked "?." Perhaps you'll be willing to reduce or eliminate similar purchases in the future in exchange for reaching your top goal. Spending rated "-" is another opportunity. Look for ways to trade convenience for a better price on these types of purchases and jot these ideas in the "Changes" column.

Category/description

Weekly

Monthly

Annually

Rating

Changes

Income

Paycheck

 

 

 

 

 

Dividends

 

 

 

 

 

Interest

 

 

 

 

 

Social Security

 

 

 

 

 

Pension

 

 

 

 

 

Gifts

 

 

 

 

 

Other

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

Housing

Rent or mortgage

 

 

 

 

 

Electric/gas

 

 

 

 

 

Water

 

 

 

 

 

Garbage collection

 

 

 

 

 

Telephone/cell phone

 

 

 

 

 

Condo/association fees

 

 

 

 

 

Property taxes

 

 

 

 

 

Property insurance

 

 

 

 

 

Maintenance

 

 

 

 

 

 

 

 

 

 

 

Transportation

Car payments

 

 

 

 

 

Gas

 

 

 

 

 

Maintenance/repairs

 

 

 

 

 

License

 

 

 

 

 

Insurance

 

 

 

 

 

Parking/toll fees

 

 

 

 

 

Public transportation

 

 

 

 

 

Bicycle

 

 

 

 

 

 

 

 

 

 

 

Education

Student loan payments

 

 

 

 

 

Tuition

 

 

 

 

 

Lessons

 

 

 

 

 

Books & supplies

 

 

 

 

 

 

 

 

 

 

 


Category/description

Weekly

Monthly

Annually

Rating

Changes

Food

Groceries

 

 

 

 

 

Work/school lunches

 

 

 

 

 

 

 

 

 

 

 

Clothing

Adults

 

 

 

 

 

Children

 

 

 

 

 

Dry cleaning

 

 

 

 

 

 

 

 

 

 

 

Health

Insurance

 

 

 

 

 

Dentist

 

 

 

 

 

Vision

 

 

 

 

 

Medications & copays

 

 

 

 

 

Fitness memberships

 

 

 

 

 

 

 

 

 

 

 

Family

Life insurance

 

 

 

 

 

Child care

 

 

 

 

 

Allowances

 

 

 

 

 

Pets (food & medical)

 

 

 

 

 

 

 

 

 

 

 

Savings

Education

 

 

 

 

 

Retirement

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

 

 

 

Personal

Hair cuts & styling

 

 

 

 

 

Toiletries

 

 

 

 

 

Tobacco

 

 

 

 

 

Alcohol

 

 

 

 

 

 

 

 

 

 

 

Entertainment

Meals/snacks out

 

 

 

 

 

Movies/plays/concerts

 

 

 

 

 

Sports equipment

 

 

 

 

 

Cable/satellite TV

 

 

 

 

 

Vacations

 

 

 

 

 

 

 

 

 

 

 

Miscellaneous

Charitable contributions

 

 

 

 

 

Credit card payments

 

 

 

 

 

Union dues

 

 

 

 

 

Federal income tax

 

 

 

 

 

State/city income tax

 

 

 

 

 

Social Security

 

 

 

 

 

Other

 

 

 

 

 

 

 

 

 

 

 

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